FREQUENTLY ASKED AUTO INSURANCE QUESTIONS

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PART A : - Liability Coverage

PART B :- Medical Payments

PART C :- Uninsured Motorist Coverage

PART D :- Coverage for Damage to your Auto

Yes. Your auto insurance covers your car, not the person driving it. If someone borrows your car and crashes it, your insurance will cover the losses — however, your premiums may increase. .

It depends upon the US state where you live.

Drivers with foreign licenses, do not need to apply for a Georgia license unless they become a resident of Georgia. 

Reference: https://dds.georgia.gov/drivers-other-nations

$25,000 per person bodily injury, $50,000 per occurrence bodily injury and $10,000 property damage each accident.

$50,000 maximum payable for injuries to more than one person. This is per person limit, so maximum one person can get $25,000. Also total to all parties can collect maximum $50,000.

10 Days

90 Days.

3 Years

Answer is $30,000. The actual loss is $55,000. F's policy will pay $25,000. Remaining $30,000 will be paid by S's insurance.

Answer is $75,000. The actual loss is $100,000. F's policy will pay $25,000. S's policy got $75,000, but we have to subtract $25,000 

from $75,000 which is $50,000. Even though the loss is $100,000, S will get total $75,000 only.

The policy will cover accidental losses which happened during the policy period as stated in the Declaration section and all loss must occur within the policy Territory. The policy territory includes the United States and all its territories and possessions, Puerto Rico and Canada. There is NO coverage while driving in Mexico.

State Coverage:- PART A (liability) limit is set by states. When you drive to another state, the PART A liability will increase and cover the state required amount. This includes the United States and all its territories and possessions, Puerto Rico and Canada.

State Coverage:- PART A (liability) limit is set by states. When you drive to another state, the PART A liability will increase and cover the state required amount. This includes the United States and all its territories and possessions, Puerto Rico and Canada.

Example: If a drive for Illinois has the state required 25/50/25 and drives Canada for the weekend and accidently runs over a Canadian crossing the Street then the policy will automatically increase to the Canadian province's auto minimum of 100/300/100.